Lemon Grove Insurance Rates:
Lemon Grove, CA homeowners insurance is approximately $522 to $709, about $43-$59/month. Our thorough research reveals consumers can save upto $246 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
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Latest Home Insurance Reviews
Allstate
The website is easy to use to view policies, make payments, and make updates. everything conveniently laid out and user-friendly.
Travelers
If i forget my login or password it can be frustrating to retrieve it or reset it to a new one.
State Farm
The state farm insurance company is cheapest cost than other company when your purchase the insurance in the first time.
Allstate
Any questions I have are answered quickly and thoroughly by anyone at my particular branch. They are kind and courteous and I appreciate all their help.
Liberty Mutual
communicate the insurance services is good. any doubt clear to all time. so I am satisfied the company
Geico
My agent is always very helpful, my only problem is that sometimes they are super busy and it can take a while to get a response. I have had to deal with the company itself on a couple of auto claims and have always found them to be very responsive.
State Farm
Sometimes it can take a day or so to hear back from my personal rep. Other than that, no complaints.
Lemon Grove, CA Homeowners Insurance By Home Value
| Lemon Grove, CA Home Value |
Total Homes |
% of Total |
Average Lemon Grove, CA Homeowners Insurance |
|---|
| Less than $50,000 |
118 |
3.0% |
$49 |
| $80,000 to $89,999 |
40 |
1.0% |
$172 |
| $100,000 to $124,999 |
99 |
2.0% |
$221 |
| $125,000 to $149,999 |
50 |
1.0% |
$276 |
| $150,000 to $174,999 |
147 |
3.0% |
$332 |
| $175,000 to $199,999 |
84 |
2.0% |
$381 |
| $200,000 to $249,999 |
641 |
16.0% |
$461 |
| $250,000 to $299,999 |
1,110 |
28.0% |
$559 |
| $300,000 to $399,999 |
1,551 |
40.0% |
$713 |
Top Home Insurance Agents Near Lemon Grove, CA
| Home Insurance Company Near Lemon Grove, CA |
Homeowners Insurance Agency Near Lemon Grove, CA |
Address |
| Allstate |
Brian Konishi |
1400 E Plaza Blvd Ste B, National City, CA, 91950 |
| State Farm |
John Crawford |
7061 Clrmt Msa Blvd Ste 217, San Diego, CA, 92111-1043 |
| State Farm |
R J Blake |
1040 University Ave Ste B201, San Diego, CA, 92103-3364 |
| State Farm |
Steve Lyons |
4005 Governor Dr, San Diego, CA, 92122-2522 |
| State Farm |
Tim Giblin |
133 S Esc Blvd, Escondido, CA, 92025-4114 |
Cost Of Homeowners Insurance By Street Near Lemon Grove, CA
| Streets in Lemon Grove Area |
Homeowners Insurance Cost |
|---|
| Dinovo St, Bittern St, Cameron Dr, Primera St, Burnell Ave, Green Lake Ct, Davidson Ave, Hagmann St, Tracy St, Biloxi St | $614 |
| Charlene Ave, Scimitar Dr, Mazer St, Myra St, Laddeck Ct, Plover St, Flicker St, Chatswood Dr, Shirley Ln, Lincoln Pl | $620 |
| Bates St, Sunset Ter, Hawkins Pl, Drexel Ln, Bancroft View Dr, Alford St, Sandy Bev Ln, Watwood Rd, Tarbox St, Country Club Pl | $622 |
| Brackton Dr, Corona St, Chateau Way, Dain Ct, Costada Ct, Golden Ave, Jadam Way, Michael St, Solana St, Jill Ln | $622 |
| Blossom Way, Hershey St, Trophy Dr, Rainbow St, Deville Dr, Bass St, Bakersfield St, Gayle St, Wren St, Alicia Ln | $614 |
Lemon Grove, CA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
| Lemon Grove | $92 to $94 |
| La Presa | $91 |
| La Mesa | $94 |
| Spring Valley | $93 |
Lemon Grove, CA Auto & Homeowners Insurance Bundling Discounts
| Place |
1 Car Bundle Savings On Insurance |
2 Car Bundle Savings On Insurance |
3 Car Bundle Savings On Insurance |
| La Presa CDP, California |
$77 |
$102 |
$153 |
| La Mesa city, California |
$78 |
$104 |
$156 |
| Spring Valley CDP (San Diego County), California |
$78 |
$103 |
$155 |
Lemon Grove, CA Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
| Lemon Grove, CA | 2.5% | 15.1% |
| La Presa | 2.64% | 14.19% |
| La Mesa | 2.4% | 12.32% |
| Spring Valley | 2.39% | 13.53% |
Lemon Grove Renters Insurance as a Percentage of Rent
| Lemon Grove Home By Monthly Rent |
Total Homes |
% of Total |
Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|
| $200 to $299 |
75 |
2.0% |
$791 |
| $300 to $499 |
89 |
2.0% |
$1241 |
| $500 to $749 |
216 |
6.0% |
$1916 |
| $750 to $999 |
990 |
27.0% |
$2666 |
| $1,000 to $1,499 |
1,455 |
40.0% |
$3791 |
| $1,500 or more |
772 |
21.0% |
$5441 |
Average Cost Of Home Insurance By Company In Areas Nearby Lemon Grove For Different Scenarios
| Coverage ($) |
Deductible ($) |
Age of home |
Company |
Average homeowners insurance premium ($) |
| 150000 | 250 | New | California Capital | 328 |
| 200000 | 500 | New | Farmers (Fire Ins) | 697 |
| 200000 | 500 | New | Tokio Marine America | 427 |
| 250000 | 1000 | New | California Capital | 361 |
| 250000 | 500 | New | Amco | 559 |
| 300000 | 500 | New | California Casualty | 605 |
| 400000 | 1000 | New | California Casualty | 617 |
| 500000 | 1000 | New | AAA (Interinsurance Exchange) | 690 |
| 500000 | 1000 | New | Liberty Ins Corp | 813 |
| 500000 | 2500 | New | Grange | 802 |
| 500000 | 2500 | New | Unigard Group | 774 |
| 150000 | 500 | 1-3 Years | Pacific Specialty | 482 |
| 200000 | 500 | 1-3 Years | General Ins | 339 |
| 400000 | 1000 | 1-3 Years | CSE Safeguard | 759 |
| 400000 | 1000 | 1-3 Years | Foremost Insurance | 1455 |
| 400000 | 1000 | 1-3 Years | Grange | 847 |
| 400000 | 1000 | 1-3 Years | Stillwater Ins Co | 905 |
| 400000 | 1000 | 1-3 Years | Universal North America | 617 |
| 750000 | 2500 | 1-3 Years | Universal North America | 922 |
| 150000 | 250 | 4-6 Years | Tokio Marine America | 371 |
| 150000 | 500 | 4-6 Years | American Reliable | 444 |
| 200000 | 500 | 4-6 Years | California Capital | 434 |
Lemon Grove, CA Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible |
|---|
| Deductible | $1,600 | $2,600 |
| Yearly Lemon Grove Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $1,600 | $2,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim |
$7,200 | $6,600 |
| Net Savings to Lemon Grove Home Owner from High Deductible Plan |
$600 |
Lemon Grove, CA Home Insurance Costs With Home Replacement Value Scenarios
| Scenario |
Lemon Grove, CA Home Replacement Value MORE than Home Value |
Lemon Grove, CA Home Replacement Value LESS than Home Value |
| Replacement Value |
$404,000 |
$265,000 |
| Insurance Premium based on Replacement Value |
$975 |
$625 |
| Risk Exposure from Under Insuring Coverage |
Unnecessary Home Insurance Coverage of $74,500 |
Risk Exposure from Under Insuring Coverage is $64,500 |
| Premium Impact |
Insurance cheaper by $150/year |
Insurance costlier by $200/year |
Example Lemon Grove Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company |
Amica Mutual Insurance Company | Travelers | Liberty Mutual |
| Monthly Premium |
162 | 82 | 79 |
| Year Built |
1992 | 2005 | 1984 |
| Home Details |
5 Beds, 3 Baths | 4 Beds, 3 Baths | 2 Beds, 1 Baths |
| Coverage Amount |
$600000-$700000 | $250000-$300000 | $350000-$400000 |
| Deductible |
$1000-$2500 Deductible | $500 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Lemon Grove, CA from Consumer Reviews & Surveys
| Year Built |
Home Value |
Roof Type |
Sqft |
Number of Bedrooms |
Deductible |
Premium |
Premium Months |
Siding Type |
Smoker/Non Smoker |
| 1993 |
495,000 |
Shingles Roof |
2,690 |
4 |
$1000-$2500 Deductible |
1120 |
10 |
Fiber-Cement Siding |
yes |
| 2004 |
550,000 |
Metal Roof |
3,290 |
4 |
$2500-$5000 Deductible |
210 |
2 |
Stone Siding |
yes |
| 1965 |
225,000 |
Membrane Roof |
1,700 |
4 |
$500 Deductible |
120 |
2 |
Brick siding |
yes |
| 1992 |
410,000 |
Composition Roof |
2,830 |
4 |
> $10,000 Deductible |
470 |
9 |
Brick siding |
No |
| 1974 |
400,000 |
Tile Roof |
2,210 |
3 |
$500 Deductible |
560 |
6 |
Wood siding |
No |
| 1999 |
345,000 |
Tile Roof |
2,390 |
3 |
$500- $1000 Deductible |
760 |
12 |
Stucco siding |
yes |
| 1975 |
395,000 |
Composition Roof |
2,140 |
3 |
$2500-$5000 Deductible |
540 |
8 |
Stucco siding |
No |
| 1971 |
470,000 |
Tile Roof |
2,560 |
4 |
$500 Deductible |
540 |
4 |
Stone Siding |
yes |
| 2009 |
415,000 |
Membrane Roof |
3,320 |
4 |
$500 Deductible |
560 |
5 |
Stucco siding |
No |
| 1963 |
380,000 |
Asphalt Shingles Roof |
2,570 |
4 |
$500- $1000 Deductible |
230 |
3 |
Wood siding |
No |
| 1973 |
225,000 |
Composition Roof |
1,660 |
3 |
$500 Deductible |
290 |
6 |
Brick siding |
yes |
| 1962 |
280,000 |
Wood Shake Roof |
1,830 |
3 |
$1000-$2500 Deductible |
720 |
12 |
Stucco siding |
No |
| 1981 |
175,000 |
Asphalt Shingles Roof |
1,260 |
3 |
$1000-$2500 Deductible |
380 |
12 |
Brick siding |
yes |
| 1960 |
320,000 |
Composition Roof |
2,360 |
3 |
$2500-$5000 Deductible |
740 |
12 |
Brick siding |
yes |
| 1989 |
155,000 |
Wood Shake Roof |
900 |
2 |
$500 Deductible |
260 |
7 |
Wood siding |
No |
| 1969 |
240,000 |
Membrane Roof |
1,570 |
2 |
$1000-$2500 Deductible |
440 |
9 |
Fiber-Cement Siding |
No |
| 1981 |
695,000 |
Wood Shake Roof |
4,910 |
5 |
> $10,000 Deductible |
80 |
1 |
Stone Siding |
yes |
| 2003 |
290,000 |
Asphalt Shingles Roof |
1,660 |
2 |
$2500-$5000 Deductible |
280 |
5 |
Brick siding |
No |
| 2006 |
495,000 |
Membrane Roof |
3,820 |
5 |
$500- $1000 Deductible |
1240 |
12 |
Wood siding |
yes |
| 1991 |
225,000 |
Shingles Roof |
1,510 |
3 |
$500- $1000 Deductible |
40 |
1 |
Stone Siding |
yes |
| 1970 |
670,000 |
Shingles Roof |
4,090 |
5 |
> $10,000 Deductible |
490 |
6 |
Stucco siding |
No |
| 1986 |
300,000 |
Membrane Roof |
1,770 |
2 |
> $10,000 Deductible |
420 |
10 |
Brick siding |
yes |
| 1970 |
235,000 |
Membrane Roof |
1,390 |
2 |
$2500-$5000 Deductible |
90 |
2 |
Stone Siding |
No |
| 1966 |
225,000 |
Tile Roof |
1,360 |
3 |
$1000-$2500 Deductible |
410 |
12 |
Stucco siding |
No |
| 1986 |
155,000 |
Composition Roof |
1,240 |
3 |
$500 Deductible |
100 |
3 |
Stone Siding |
yes |
| 1974 |
135,000 |
Tile Roof |
1,060 |
2 |
$1000-$2500 Deductible |
350 |
12 |
Stucco siding |
No |